The reality of less coverage, higher cost for healthcare

ACA enrollees say they’ll have to cut already tight budgets or drop insurance.

- By ALI SWENSON

NEW YORK — For one Wisconsin couple, the loss of health subsidies sponsored by the government next year means choosing a lower-quality insurance plan with a higher deductible. For a Michigan family, it means going without insurance altogether.

For a single mom in Nevada, the spiking costs mean fewer Christmas gifts this year. She is stretching her budget already while she waits to see if the Republican-led Congress will act.

Less than three weeks remain until the expiration of COVID-era enhanced tax credits that have helped millions of Americans pay their monthly fees for Affordable Care Act coverage for the last four years.

The Senate on Thursday rejected two proposals to address the problem, and an emerging healthcare package from House Republicans does not include an extension, all but guaranteeing that many Americans will see much higher insurance costs in 2026.

Paying more for less

Chad Bruns comes from a family of savers. That came in handy when the 58-year-old military veteran had to leave his firefighting career early because of arm and back injuries incurred on the job.

He and his wife, Kelley, 60, both retirees, cut their own firewood to reduce their electricity costs in their home in Sawyer County, Wis. They rarely eat out and say they buy groceries only when they are on sale.